I put my cards away a few years ago. I didn't destroy them because in todays world you need them to book hotels and things like that. But I no longer carry them with me. It's just too easy to make those spontaneous purchases. I carry a debit card only. That way I can't spend what I don't have.

How the credit card companies get away charging the interest they do is beyond me. Legalized loansharking.

Congratulations Rick.